Comenity

Hello, On 5/28/2022 I opened a Comenity/Sephora Credit Card. I made a charge in October 2022 and paid it off in full in December and closed my account for good measure. This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 1/19/2023 - $105.00 delinquent payment 2/16/2023 - $148.00 delinquent payment. Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.

A few months ago Comenity took over AAA credit Cards, or at least part of them. From the start I had nothing but problems. No new card was sent, so I didn't have an account number to reference. That took 2 months to fix. Then their web page was inactive for new users. Then it wouldn't let me set up automatic payments until I verified my email, phone number, and address, So I did that, but website didn't recognize it was verified. Called customer service. Not helpful at all. The rep would say, "oh. I don't handle that", and give me the main number. Finally got my information verified and set up auto pay. Last month no issue, then this month no auto pay. The website once again had my account as not verified and auto pay off. So I paid off the balance and will never do business with this company again.

I paid off my account before the due date. I use post office flat rate to track my mail. Never trusted them with what they say in the past. They say they never received my mail. So that why I use flat rate tracking to protect myself. Well I paid in full not talking about few hundred dollar I talking about over thousand of dollars. My mail got there 12/11/2022 at 6:45am. They didn't post the date on the date they received it. They waited 9 days after the monthly fee and charge me over 200 dollar interest fee and 40 dollar late fee. And saying I mailed it late past the due date. Been fighting with them thru email on their website and I even sent a photo scan of the UPS tracking and my tracking number from post office and the address on it. They still deny it. I will never ever trust them and I am going to closed the account. I got this credit card from sportsman's guide. If you ever think about getting it. Stay far away from Comenity bank.

I have been a customer for several year. NEVER have I had this trouble with any of my credit cards. I was charge in Oct 2021 - this was the correct charge. I was charged AGAIN in April 2022, then given a credit, THEN charged AGAIN. All I am seeking is the overcharge to be made right. This issue has been ongoing for nearly a year. I have provided ALL documents that were asked of me including bank statements, statements from this company and still I get the run around. Save yourself the trouble and don't apply for this card.

First payment due in 8 days and online services has been unavailable for the past 7 days. No estimate on when it will be available. Called today to verify I had setup automatic payments but they would not tell me since it was in my wife's name and she is visiting family out of the US. Said I could pay it online but if I use a credit card there is a charge. I do not provide my personal bank information to anyone over the phone so won't use that option. Lastly the last time I was able to access their website I found out they will not let you setup automatic payments before the due date, but warn you in the questions and answers that you need to be sure to send the payment in time so it will not incur a late fee. Seems like some third rate financial service but was stuck with it during a dental crisis. What responsible bank takes over a week to get their website running?

Let me start by saying I have a FICO score close to 800; I don’t need the credit. I got the Sony card because they gave me $150 for free, and my kids use it for PS5 games. I didn't receive a statement, and their web portal didn’t work because of a system error. I received a call from one of the customer service reps telling me my payment was due, so I made the full payment on the due date over the phone with the customer service representative. I even asked the representative if there was going to be a balance left, and I was told that this paid the card completely off and nothing is going to be owed next month. What I didn't know is that the payment would post the next day, which would automatically give me a $40 late fee on my account. That $40 late fee I was unaware that was on my account because I made the full payment over the phone with the rep and clarified with the rep that the account was paid in full.

They reduced my credit limit, despite other cards giving me increases, causing a negative hit to my score. Then cited the hit to my score and reduced it more. Never missed a payment or went over limit.

1. On September 29, 2022 I ordered a pair of shoes from the Nordstrom website. I applied for a store credit card when the option came up. I believed it was a Nordstrom card. However it was a Woman Within card with Comenity Bank. Supposedly I was getting a 40% discount with the card.

Terrible. Had automatic payments set up. End up getting charged interest on a computer glitch that happened on their end 4 months prior to the promotion ended. In the end I have to pay an extra $1300 dollars because I had automatic payments and assumed they were competent with their business. You won’t get a hold of them & when you do, they will say, “You should have known”.. Yes I should have known your system cannot accurately add up the payments that I should be charged each month. Will never shop with Zales or Comendity Bank again :)

OMG this Comenity Bank is seriously delusion, they locked me out of my account so that they could charge me a $40 late fee!! I paid my bill in full every month, have an excellent payment history on my credit report and the Comenity Bank came along and literally destroyed my good credit for $40!! I received a bill with only 5 days before payment was due! After I couldn't access my account online or by phone I finally called a representative only to learn that I had 2 accounts and one was closed for inactivity on my account.